HorseCapper AI — Terms & Conditions
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Product Terms
$45 Pick 3 Insider
Selections and strategy are informational only; wagering involves risk and may result in loss of principal. Credits (not refunds) are issued only if the targeted sequence is canceled or materially altered prior to delivery.
Optional $15 Pro Upgrade
Add‑on includes A/B/C contenders, fair‑odds lines, "Don't Bet" filters, and sample ticket splits; for educational use only and not financial advice. Fee is non‑refundable once the material is delivered.
Premium Daily Packages (Standard/Pro)
Package covers the stated number of races for one track and date; races beyond the allotment incur the posted per‑race add‑on. All sales are final; if the card is canceled or materially changed before delivery, a like‑value credit will be issued.
Pool Betting Option
Participant funds are aggregated and wagered at our discretion; any returns are distributed pro‑rata after tote settlement, and losses are possible. Participation requires acceptance of pool terms, eligibility in your jurisdiction, and timely funding; no refunds once a pool is locked.
How Pool Payouts Work
Minimum buy‑in: $100
Commission: We automatically charge a 30% administrative commission on winning bets to cover operational costs and estimated federal/state taxes.
Distribution: After the 30% commission, the remaining 70% is paid out pro‑rata based on your share of total pool contributions.
Your payout formula:
Your payout = Your pool share × 70% × Gross winnings
How to find your pool share:
Pool share = Your contribution ÷ Total pool
Example: $150 into a $600 pool = 25% share
Payout Examples (Typical Pod Sizes)
Total Pool = $300
| Result | Gross Win | 30% Commission | Net to Distribute | $100 (33.33% share) |
|---|---|---|---|---|
| 2.0x | $600 | $180 | $420 | $140 |
| 3.0x | $900 | $270 | $630 | $210 |
| 5.0x | $1,500 | $450 | $1,050 | $350 |
Total Pool = $600
| Result | Gross Win | 30% Commission | Net to Distribute | $100 (16.67%) | $150 (25%) |
|---|---|---|---|---|---|
| 2.0x | $1,200 | $360 | $840 | $140 | $210 |
| 3.0x | $1,800 | $540 | $1,260 | $210 | $315 |
| 5.0x | $3,000 | $900 | $2,100 | $350 | $525 |
Total Pool = $1,000
| Result | Gross Win | 30% Commission | Net to Distribute | $100 (10%) | $250 (25%) |
|---|---|---|---|---|---|
| 2.0x | $2,000 | $600 | $1,400 | $140 | $350 |
| 3.0x | $3,000 | $900 | $2,100 | $210 | $525 |
| 5.0x | $5,000 | $1,500 | $3,500 | $350 | $875 |
Important notes:
• No commission on losing pools; losses are possible.
• The 30% administrative commission covers estimated federal/state taxes and operational costs. Individual tax obligations may differ; participants are responsible for reporting gambling income.
• Payout timing follows tote settlement and our pool terms.
Operational Terms
Notifications and Timing
We aim to provide 6–24 hours' notice and a scratch‑aware update 30–45 minutes pre‑post, but timing may vary due to track operations and unforeseen changes. Delivery is by email or platform message on a best‑efforts basis.
Payments and Currency
All prices are listed and payable in USD; taxes, fees, and payment processor charges (if any) are your responsibility. Orders are considered final upon successful payment authorization.
Responsible Play and Eligibility
You must be of legal wagering age in your jurisdiction and solely responsible for complying with applicable laws. We may refuse or revoke access for suspected misuse, non‑compliance, or abuse.
Use of Materials
Materials are licensed for personal use only and may not be shared, reposted, or resold without written consent. Content may be updated or withdrawn at any time due to scratches, track changes, or data updates.
Performance and Risk
Past performance does not guarantee future results; no outcome is assured and ROI is not promised. You are solely responsible for your wagering decisions and bankroll management.
Data, Privacy, and Security
We minimize data collection and use reputable third‑party processors; we do not sell your personal data. By purchasing, you consent to our communications and privacy practices as disclosed on our site.
Disputes and Credits
Our liability is limited to the price paid for the affected product; remedies are limited to account credit where applicable. Any disputes must be raised within 7 days of delivery.
Changes to Terms
We may update these terms at any time; continued use constitutes acceptance. The version posted on our site at time of purchase governs.
For billing, credits, or access questions, contact: handicappersclub@gmail.com.